沈阳邮储银行中间业务发展策略研究.docVIP

中文题目:沈阳邮储银行中间业务发展策略研究 外文题目:RESEARCH OF POSTAL SAVINGS BANK OF CHINA SHENYANG BRANCH’S INTERMEDIARY BUSINESS DEVELOPMENT STRATEGY 毕业设计(论文共 30 页(其中:外文文献及译文12页图纸共0张完成日期 2013年6月答辩日期 2013年6月 I 摘要 中间业务和资产业务、负债业务并称为现代商业银行的三大支柱业务。自70年代以来,西方商业银行的中间业务发展迅速,其收入份额越来越大,有的甚至取代了传统利息收入。反观我国,商业银行中间业务发展水平较低、创新能力较差和利润空间较小。邮政储蓄自1986年重新开办至今,已经形成了一定的规模,但在中间业务的发展上,与其它国有商业银行相比仍有一定差距。 本文通过对邮储银行沈阳分行所处的外部环境和其内部各方面因素的分析,讨论其中间业务发展中存在的问题,运用BCG矩阵分析邮储银行沈阳分行中间业务内外部影响因素和中间业务各子业务的贡献, 并进一步得出邮储银行沈阳分行中间业务的发展对策及竞争策略。 关键词:中间业务;邮政储蓄;中间业务发展对策 II Abstract Modern commercial bank includes intermediary business, assets operation and liability business. From 1970, the intermediary business of western commercial bank has developed very quickly. Furthermore, it has increasingly revenue share and some of them even replace traditional interest revenue. Our country, however, does not have high efficiency in intermediary business of commercial bank. It is reflected in low level of development, short of creative capability and lack of profits. In addition, postal savings bank starts operation since 1986 and it has formed a certain scale. Nevertheless, in the development of intermediary business, there is still difference between our country and other countries which have commercial bank. This report analyses the factors in external environment and internal environment and contribution of each branch business via BCG Matrix in postal savings bank Shenyang branch. Moreover, it also discusses the reason for the development of intermediary business and then gets the competition strategy which about development of intermediary business for postal savings bank Shenyang branch. Key words: intermediary business; Postal Savings Bank; competitive strategy III 于佳琦:沈阳邮储银行中间业务发展策略研究 目录 前言 (1 1绪论 (2 1.1选题背景及意义 (2 1.2国内外文献综述 (3 1.3研究思路及论文框架结构 (4 2我国商业银行中间业务发展实践 (6 2.1国内商业银行中间业务发展现状 (6 2.1.1中间业务增幅迅速但比例不高 (6 2.1.2产品类型看似多样却依然单一 (6 2.1.3依旧没有摆脱以信贷为主导 (6 2.2国内银行发展中间业务的必要性 (6 3邮储银行沈阳分行中间业务发展现状及存在的问题 (8 3.1邮政储蓄银行基本情况 (8 3.1.1储蓄业务明显萎缩 (8 3.1.2